Howard County property record for 5645 Thunder Hill Rd, Columbia, MD 21045
| Property Type | Exempt (Full or Partial) |
|---|---|
| Details | 2.5 ba · 1,509 sqft · built 1971 |
| Lot Size | 0.252 acres (10,965 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $549,000 (Oct 2025) |
| Tax Bill | $616 (2026) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Aug 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-099813 |
| Primary APN | 16-099813 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,509 sqft Total Area |
| Basement Area | 580 sqft |
| Finished Basement | 580 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Split Foyer |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 10,965 sqft (0.252 acres) |
| Patio Area | 300 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 099813 |
|---|---|
| Street Address | 5645 THUNDER HILL RD |
| City | COLUMBIA |
| State | MD |
| Zip | 21045-3234 |
| Property Category | Other |
| Property Type | Other > Exempt (Full or Partial) |
| Local Zoning Code | NT |
| Legal Description | LOT 190 10,965 SQ' 5645 THUNDER HILL RD VIL OAKLAND MILLS S4 A1 |
| Legal Subdivision | VILLAGE OF OAKLAND MILLS |
| Legal Lot Number | 190 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 606603 |
5645 Thunder Hill Rd is owned and occupied by two individuals who bought it in October 2025.
Source: Howard County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5645 THUNDER HILL RD, COLUMBIA, MD 21045-3234 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 23, 2025 | Deed, Transfer · VA Mortgage DIRECT MORTGAGE LOANS LLC |
| Aug 4, 2022 | Deed, Transfer · Conventional Mortgage NFM INC |
| Sep 4, 2020 | Deed, Transfer · Conventional Mortgage MCLEAN MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2025 · Amount on File |
| Deed Sale | Oct 23, 2025 · Amount on File |
| Prior Sale | Aug 2, 2022 · Amount on File |
| Deed Book / Page | 22972 / 81 |
| Prior Transfer Date | Sep 7, 2007 |
| Prior Transfer Doc | 0109110124 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Oct 23, 2025 |
| Property Address | 5645 THUNDER HILL RD, COLUMBIA, MD 21045-3234 |
| Document Number | 0229720081 |
| Book / Page | 22972 / 81 |
| Map Reference | MB 17 FO 52 |
| Instrument Date | Oct 17, 2025 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | RESIDENTIAL TITLE AND ESCROW INC, RESULTS TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,372.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5645 THUNDER HILL RD, COLUMBIA, MD 21045-3234 |
| Document Number | 0002297289 |
|---|---|
| Date | Oct 23, 2025 |
| Instrument | 22972/89 |
| Name | DIRECT MORTGAGE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Aug 4, 2022 |
| Property Address | 5645 THUNDER HILL RD, COLUMBIA, MD 21045-3234 |
| Document Number | 0216560030 |
| Book / Page | 21656 / 30 |
| Map Reference | MB 17 FO 52 |
| Instrument Date | Jul 25, 2022 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2023 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5645 THUNDER HILL RD, COLUMBIA, MD 21045-3234 |
| Document Number | 0002165638 |
|---|---|
| Date | Aug 4, 2022 |
| Instrument | 21656/38 |
| Name | NFM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Sep 4, 2020 |
| Property Address | 5645 THUNDER HILL RD, COLUMBIA, MD 21045-3234 |
| Document Number | 0196820309 |
| Book / Page | 19682 / 309 |
| Map Reference | MB 17 FO 52 |
| Instrument Date | Aug 19, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | RGS TITLE OF BETHESDA |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,675.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5645 THUNDER HILL RD, COLUMBIA, MD 21045-3234 |
| Document Number | 0019682315 |
|---|---|
| Date | Sep 4, 2020 |
| Instrument | 19682/315 |
| Name | MCLEAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
The 2026 property tax bill for 5645 Thunder Hill Rd was $616 with a homeowner's exemption, down 91.8% from the year before.
Source: Howard County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Howard County |
| Unified School District | Howard County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $616.00 (-91.82%) Homeowner's exemption | $517,100 (+5.55%) Land $206,800 Building $310,300 | $517,100 (-) Land $206,800 Building $310,300 |
| 2025 | $7,533.00 (+4.68%) Homeowner's exemption | $489,900 | $517,100 Land $206,800 Building $310,300 |
| 2024 | $7,196.00 | ||
| 2023 | $435,500 (+10.86%) Land $186,800 Building $248,700 | $435,500 (-) Land $186,800 Building $248,700 | |
| 2022 | $4,423.00 | $392,833 | $435,500 Land $186,800 Building $248,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5645 Thunder Hill Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 31, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 5645 Thunder Hill Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 90% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HOWARD COUNTY D.P.W. DISTRIBUTION serves 286,158 people · EPA ID MD0130002 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jan 2024 |
| Lead | 3 ppb (2018–2020) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 219 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
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